CENTER FOR EXCELLENCE
IN ISLAMIC BANKING & FINANCE
CENTER FOR EXCELLENCE IN ISLAMIC BANKING & FINANCE
SHARIAH ADVISORY,
& FINANCIAL TRANSFORMATION
CENTER FOR EXCELLENCE IN ISLAMIC BANKING & FINANCE ISLAMIC BANKING, SHARIAH ADVISORY, & FINANCIAL TRANSFORMATION
UMAR WYNE OFFICIAL IN PARTNERSHIP WITH USMANI’S FINANCIAL CONSULTANCY
UMAR WYNE OFFICIAL
IN PARTNERSHIP WITH
USMANI’S FINANCIAL CONSULTANCY
Delivering Shariah-Compliant Financial Systems, Banking Advisory,
and Institutional Transformation.
We work with banks, Islamic banks, fintechs, and financial institutions to design, implement, and scale high-performance financial systems aligned with Shariah principles
and regulatory frameworks.
Delivering Shariah-Compliant Financial Systems, Banking Advisory, and
Institutional Transformation.
We work with banks, Islamic banks, fintechs, and financial institutions to design, implement, and scale high-performance financial systems aligned with Shariah principles and regulatory frameworks.
CORE ISLAMIC BANKING
& FINANCIAL CAPABILITIES
CORE ISLAMIC BANKING & FINANCIAL CAPABILITIES
ISLAMIC BANKING
& SHARIAH
CONVENTIONAL BANKING
& CONSULTING
TRAINING
& CERTIFICATION
ISLAMIC BANKING
& SHARIAH
CONVENTIONAL BANKING
& CONSULTING
TRAINING
& CERTIFICATION
LEADERSHIP & PERFORMANCE
SYSTEMS
PRODUCT STRUCTURING
& INNOVATION
DIGITAL BANKING
& TRANSFORMATION
LEADERSHIP & PERFORMANCE
SYSTEMS
PRODUCT STRUCTURING
& INNOVATION
DIGITAL BANKING
& TRANSFORMATION
Built for institutions and professionals seeking practical expertise in Islamic banking, Shariah-compliant finance, and real-world financial systems, with a focus on transformation, compliance, and execution.
Built for institutions and professionals seeking practical expertise in Islamic banking, Shariah-compliant finance, and real-world financial systems, with a focus on transformation, compliance, and execution.
LEGACY & SCHOLARLY MENTORSHIP
LEGACY & SCHOLARLY MENTORSHIP
JUSTICE (R) MUFTI MUHAMMAD TAQI USMANI
GLOBAL SHARIAH SCHOLAR
A central architect of modern Islamic finance, whose work has shaped the legal, regulatory, and structural foundations of Shariah-compliant banking worldwide.
Has served on Shariah Boards of leading global institutions including Central Bank of Bahrain, Abu Dhabi Islamic Bank, Meezan Bank, International Islamic Rating Agency, Pak-Qatar Takaful, Pak-Kuwait Takaful, JS Islamic Funds, Arcapita, and other major financial entities, anchoring this platform with unmatched credibility in global Islamic banking and Shariah governance.
Chairman: Shariah Board, State Bank of Pakistan
Vice President & Shaykh-ul-Hadith – Darul Uloom Karachi
Chairman – International Shariah Standards Council, AAOIFI (Bahrain)
Vice Chairman / Permanent Member – International Islamic Fiqh Academy (OIC, Jeddah)
Member – Islamic Fiqh Academy of Rabita-al-Alam-e-Islami (Makkah)
Chairman – Centre for Islamic Economics, Pakistan
Chairman: Shariah Board, State Bank of Pakistan
Vice President & Shaykh-ul-Hadith – Darul Uloom Karachi
Chairman – International Shariah Standards Council, AAOIFI (Bahrain)
Vice Chairman / Permanent Member – International Islamic Fiqh Academy (OIC, Jeddah)
Member – Islamic Fiqh Academy of Rabita-al-Alam-e-Islami (Makkah)
Chairman – Centre for Islamic Economics, Pakistan
A central architect of modern Islamic finance, whose work has shaped the legal, regulatory, and structural foundations of Shariah-compliant banking worldwide.
Has served on Shariah Boards of leading global institutions including Central Bank of Bahrain, Abu Dhabi Islamic Bank, Meezan Bank, International Islamic Rating Agency, Pak-Qatar Takaful, Pak-Kuwait Takaful, JS Islamic Funds, Arcapita, and other major financial entities, anchoring this platform with unmatched credibility in global Islamic banking and Shariah governance.
LEGACY & SCHOLARLY MENTORSHIP
LEGACY & SCHOLARLY MENTORSHIP
JUSTICE (R) MUFTI MUHAMMAD TAQI USMANI
GLOBAL SHARIAH SCHOLAR
A central architect of modern Islamic finance, whose work has shaped the legal, regulatory, and structural foundations of Shariah-compliant banking worldwide.
Chairman: Shariah Board, State Bank of Pakistan
Vice President & Shaykh-ul-Hadith – Darul Uloom Karachi
Chairman – International Shariah Standards Council, AAOIFI (Bahrain)
Vice Chairman / Permanent Member – International Islamic Fiqh Academy (OIC, Jeddah)
Member – Islamic Fiqh Academy of Rabita-al-Alam-e-Islami (Makkah)
Chairman – Centre for Islamic Economics, Pakistan
Has served on Shariah Boards of leading global institutions including Central Bank of Bahrain, Abu Dhabi Islamic Bank, Meezan Bank, International Islamic Rating Agency, Pak-Qatar Takaful, Pak-Kuwait Takaful, JS Islamic Funds, Arcapita, and other major financial entities, anchoring this platform with unmatched credibility in global Islamic banking and Shariah governance.
Chairman: Shariah Board, State Bank of Pakistan
Vice President & Shaykh-ul-Hadith – Darul Uloom Karachi
Chairman – International Shariah Standards Council, AAOIFI (Bahrain)
Vice Chairman / Permanent Member – International Islamic Fiqh Academy (OIC, Jeddah)
Member – Islamic Fiqh Academy of Rabita-al-Alam-e-Islami (Makkah)
Chairman – Centre for Islamic Economics, Pakistan
A central architect of modern Islamic finance, whose work has shaped the legal, regulatory, and structural foundations of Shariah-compliant banking worldwide.
Has served on Shariah Boards of leading global institutions including Central Bank of Bahrain, Abu Dhabi Islamic Bank, Meezan Bank, International Islamic Rating Agency, Pak-Qatar Takaful, Pak-Kuwait Takaful, JS Islamic Funds, Arcapita, and other major financial entities, anchoring this platform with unmatched credibility in global Islamic banking and Shariah governance.
INSTITUTIONAL COVERAGE
ISLAMIC BANKS AND SHARIAH-COMPLIANT FINANCIAL INSTITUTIONS
COMMERCIAL BANKS AND CONVENTIONAL BANKING INSTITUTIONS
NON-BANKING FINANCIAL INSTITUTIONS
MICROFINANCE AND SPECIALIZED FINANCIAL INSTITUTIONS
CORPORATE FINANCIAL STRUCTURES AND TREASURY FUNCTIONS
FINTECH, DIGITAL FINANCIAL PLATFORMS, AND PAYMENT SYSTEMS
STARTUPS AND EMERGING FINANCIAL VENTURES
SHARIAH GOVERNANCE & INSTITUTIONAL LEADERSHIP
SHARIAH GOVERNANCE & INSTITUTIONAL LEADERSHIP
DR. MUFTI HASSAN ASHRAF USMANI
FOUNDER & CEO
A leading authority in Islamic banking and Shariah governance, serving as Chairman – Shariah Board at Sindh Bank, Head of Shariah Compliance, and Executive Shariah Board Member across institutions including Atlas Asset Management and JS Islamic Funds.
He also contributes to Islamic finance education and training as Deputy Director at Jamia Darul Uloom Karachi and faculty member in Darul Uloom and Darul Ifta.
MUFTI MUHAMMAD AMMAR ASHRAF
SHARIA ADVISOR & TRAINER
USMANI’S FINANCIAL CONSULTANCY
A scholar of Islamic finance and Shariah, engaged in teaching, research, and applied advisory, focusing on aligning classical jurisprudence with modern financial systems.
UMAR WYNE
FOUNDER & CEO
UMAR WYNE OFFICIAL
A senior banking professional with over 30 years of experience across Citibank, ANZ Grindlays Bank, Standard Chartered Bank, HBL, and MCB.
His expertise spans banking operations, institutional restructuring, recovery, and performance systems, combined with leadership and human performance development.
Provides the platform with deep conventional banking expertise, enabling the practical implementation of Shariah-compliant systems within real-world financial environments.
DR. MUFTI HASSAN ASHRAF USMANI
FOUNDER & CEO
MUFTI MUHAMMAD AMMAR ASHRAF
SHARIA ADVISOR & TRAINER
USMANI’S FINANCIAL CONSULTANCY
UMAR WYNE
FOUNDER & CEO
UMAR WYNE OFFICIAL
SHAHZAD AHMED
CO-FOUNDER & COO
USMANI'S FINANCIAL CONSULTANCY
SHAHZAD AHMED
CO-FOUNDER & COO
USMANI'S FINANCIAL CONSULTANCY
A leading authority in Islamic banking and Shariah governance, serving as Chairman – Shariah Board at Sindh Bank, Head of Shariah Compliance, and Executive Shariah Board Member across institutions including Atlas Asset Management and JS Islamic Funds.
He also contributes to Islamic finance education and training as Deputy Director at Jamia Darul Uloom Karachi and faculty member in Darul Uloom and Darul Ifta.
A scholar of Islamic finance and Shariah, engaged in teaching, research, and applied advisory, focusing on aligning classical jurisprudence with modern financial systems.
A senior banking professional with over 30 years of experience across Citibank, ANZ Grindlays Bank, Standard Chartered Bank, HBL, and MCB.
His expertise spans banking operations, institutional restructuring, recovery, and performance systems, combined with leadership and human performance development.
Provides the platform with deep conventional banking expertise, enabling the practical implementation of Shariah-compliant systems within real-world financial environments.
Leads operational execution and institutional delivery, ensuring that advisory frameworks, compliance systems, and financial strategies are translated into structured, real-world implementation.
Leads operational execution and institutional delivery, ensuring that advisory frameworks, compliance systems, and financial strategies are translated into structured, real-world implementation.
LEGACY & SCHOLARLY MENTORSHIP
DR. MUFTI HASSAN ASHRAF USMANI
FOUNDER & CEO
A leading authority in Islamic banking and Shariah governance, serving as Chairman – Shariah Board at Sindh Bank, Head of Shariah Compliance, and Executive Shariah Board Member across institutions including Atlas Asset Management and JS Islamic Funds.
He also contributes to Islamic finance education and training as Deputy Director at Jamia Darul Uloom Karachi and faculty member in Darul Uloom and Darul Ifta.
MUFTI MUHAMMAD AMMAR ASHRAF
SHARIA ADVISOR & TRAINER
USMANI’S FINANCIAL CONSULTANCY
A scholar of Islamic finance and Shariah, engaged in teaching, research, and applied advisory, focusing on aligning classical jurisprudence with modern financial systems.
UMAR WYNE
FOUNDER & CEO
UMAR WYNE OFFICIAL
A senior banking professional with over 30 years of experience across Citibank, ANZ Grindlays Bank, Standard Chartered Bank, HBL, and MCB.
His expertise spans banking operations, institutional restructuring, recovery, and performance systems, combined with leadership and human performance development.
Provides the platform with deep conventional banking expertise, enabling the practical implementation of Shariah-compliant systems within real-world financial environments.
DR. MUFTI HASSAN
ASHRAF USMANI
DR. MUFTI HASSAN ASHRAF USMANI
FOUNDER & CEO
FOUNDER & CEO
MUFTI MUHAMMAD
AMMAR ASHRAF
MUFTI MUHAMMAD
AMMAR ASHRAF
SHARIA ADVISOR & TRAINER
USMANI’S FINANCIAL CONSULTANCY
UMAR WYNE
UMAR WYNE
FOUNDER & CEO
UMAR WYNE OFFICIAL
FOUNDER & CEO
UMAR WYNE OFFICIAL
SHAHZAD AHMED
SHAHZAD AHMED
CO-FOUNDER & COO
USMANI'S FINANCIAL CONSULTANCY
CO-FOUNDER & COO
USMANI'S FINANCIAL CONSULTANCY
SHAHZAD AHMED
CO-FOUNDER & COO
USMANI'S FINANCIAL CONSULTANCY
A leading authority in Islamic banking and Shariah governance, serving as Chairman – Shariah Board at Sindh Bank, Head of Shariah Compliance, and Executive Shariah Board Member across institutions including Atlas Asset Management and
JS Islamic Funds.
He also contributes to Islamic finance education and training as Deputy Director at Jamia Darul Uloom Karachi and faculty member in Darul Uloom and Darul Ifta.
A leading authority in Islamic banking and Shariah governance, serving as Chairman – Shariah Board at Sindh Bank, Head of Shariah Compliance, and Executive Shariah Board Member across institutions including Atlas Asset Management and
JS Islamic Funds.
He also contributes to Islamic finance education and training as Deputy Director at Jamia Darul Uloom Karachi and faculty member in Darul Uloom and Darul Ifta.
A leading authority in Islamic banking and Shariah governance, serving as Chairman – Shariah Board at Sindh Bank, Head of Shariah Compliance, and Executive Shariah Board Member across institutions including Atlas Asset Management and
JS Islamic Funds.
He also contributes to Islamic finance education and training as Deputy Director at Jamia Darul Uloom Karachi and faculty member in Darul Uloom and Darul Ifta.
A scholar of Islamic finance and Shariah, engaged in teaching, research, and applied advisory, focusing on aligning classical jurisprudence with modern
financial systems.
A scholar of Islamic finance and Shariah, engaged in teaching, research, and applied advisory, focusing on aligning classical jurisprudence with modern
financial systems.
A senior banking professional with over 30 years of experience across Citibank, ANZ Grindlays Bank, Standard Chartered Bank, HBL,
and MCB.
His expertise spans banking operations, institutional restructuring, recovery, and performance systems, combined with leadership and human performance development.
Provides the platform with deep conventional banking expertise, enabling the practical implementation of Shariah-compliant systems within real-world financial environments.
A senior banking professional with over 30 years of experience across Citibank, ANZ Grindlays Bank, Standard Chartered Bank, HBL,
and MCB.
His expertise spans banking operations, institutional restructuring, recovery, and performance systems, combined with leadership and human performance development.
Provides the platform with deep conventional banking expertise, enabling the practical implementation of Shariah-compliant systems within real-world financial environments.
Leads operational execution and institutional delivery, ensuring that advisory frameworks, compliance systems, and financial strategies are translated into structured, real-world implementation.
Leads operational execution and institutional delivery, ensuring that advisory frameworks, compliance systems, and financial strategies are translated into structured, real-world implementation.
Leads operational execution and institutional delivery, ensuring that advisory frameworks, compliance systems, and financial strategies are translated into structured, real-world implementation.
INTEGRATED BANKING & FINANCIAL SOLUTIONS
INTEGRATED BANKING &
FINANCIAL SOLUTIONS
ISLAMIC BANKING & SHARIAH ADVISORY
Shariah audit, review, and compliance frameworks
Shariah board advisory, governance, and AAOIFI-aligned support
Islamic product structuring including Sukuk, Takaful, Retakaful, REITs, and Zakat-based systems
CONVENTIONAL BANKING & INSTITUTIONAL CONSULTING
Process redesign, re-engineering, and operational efficiency
Product optimization, relaunch, and performance improvement
Institutional, branch, and business-line performance enhancement
FINANCIAL TRAINING & CERTIFICATION PROGRAMS
Islamic finance certification and professional training programs
Banking, fintech, and executive development training
Workshops, seminars, and job-readiness pathways
LEADERSHIP & HUMAN PERFORMANCE
Leadership systems, governance capability, and management effectiveness
Behavioral profiling, psychological assessment, and team alignment
Communication, execution discipline, and culture strengthening
PRODUCT STRUCTURING & FINANCIAL INNOVATION
Financial product design and innovation
Digital banking and fintech integration
Financial modeling and product performance optimization
Advisory for new and underperforming financial products
LEGAL, REGULATORY & SPECIALIZED ADVISORY
Financial system digitalization and process automation
Platform, fintech, and software development
End-to-end digital transformation for banking and financial operations
DIGITAL BANKING & TRANSFORMATION SOLUTIONS
Compliance, documentation, and regulatory alignment
Financial and Shariah advisory for institutions and ventures
Halal certification and specialized advisory
Pre-startup advisory for financial and Shariah-compliant ventures
Our approach is built on Shariah-compliant financial frameworks, with the capability to integrate and operate across conventional banking systems where required.
ENGAGE WITH OUR TEAM
For institutional advisory, consulting, or training discussions, connect directly with our team.
EXECUTION & DELIVERY ECOSYSTEM
This platform operates through a structured team across advisory, operations, research, communication, and execution, enabling full-cycle
financial transformation.
CORE TEAM
NOVAIR AHMAD KHAWAJA
Head of Banking, Finance & Operations
Umar Wyne Official
NAEEM WYNE
Chief Growth & Communication Officer
Umar Wyne Official
MUHAMMAD ALI WYNE
CHIEF OPERATING OFFICER
Umar Wyne Official
MIRZA SUBHAN ALI BAIG
Manager Administration & Digital Operations
Usmani’s Financial Consultancy
HARIS ALI SHAH
Research & Advisory
Usmani’s Financial Consultancy
NOVAIR AHMAD KHAWAJA
Head of Banking, Finance
& Operations
Umar Wyne Official
NAEEM WYNE
Chief Growth
& Communication Officer
Umar Wyne Official
MUHAMMAD ALI WYNE
CHIEF OPERATING OFFICER
Umar Wyne Official
NOVAIR AHMAD KHAWAJA
NAEEM WYNE
MUHAMMAD ALI WYNE
HARIS ALI SHAH
HARIS ALI SHAH
Research & Advisory
Usmani’s Financial Consultancy
MIRZA SUBHAN ALI BAIG
Manager Administration & Digital Operations
Usmani’s Financial Consultancy
Head of Banking, Finance
& Operations
Umar Wyne Official
Chief Growth &
Communication Officer
Umar Wyne Official
CHIEF OPERATING OFFICER
Umar Wyne Official
Research & Advisory
Usmani’s Financial Consultancy
INSTITUTIONAL ADVANTAGE & STRATEGIC DIFFERENTIATION
INSTITUTIONAL ADVANTAGE & STRATEGIC DIFFERENTIATION
Backed by global Shariah authority and scholarly leadership
Led by globally recognized Shariah scholars shaping modern Islamic finance
Built on deep conventional banking expertise aligned with Shariah-compliant systems
Integrates advisory, training, certification, and execution into one platform
Enables institutions to operate across Islamic and conventional financial environments
Designed for institutional performance, compliance, and scalable transformation
INSTITUTIONAL ADVANTAGE & STRATEGIC DIFFERENTIATION
Whether you are a financial institution seeking advisory, or a professional aiming to build expertise in Islamic banking and Shariah-compliant finance, this platform provides structured pathways.
© Copyright 2025. All rights reserved. Powered by SEO Strikes
Facebook
Instagram
Youtube
TikTok